Are you an ITIN Borrower?

If you don’t have a Social Security Number but have an Individual Taxpayer Identification Number (ITIN), you may still be able to purchase a home or investment property in the U.S. ITIN loans are specifically designed for borrowers who are not eligible for conventional financing but have a valid ITIN and the financial means to qualify.

ITIN loans are mortgage products that allow borrowers with an ITIN—issued by the IRS to individuals who aren’t eligible for a Social Security Number—to finance a property. These loans are a great solution for:

• Foreign nationals living and working in the U.S.
• Self-employed borrowers without traditional income documentation
• Individuals without a credit score but with alternative credit

• No Social Security Number required
• Financing available for primary residences, second homes, and investment properties
• Can close in a personal name or LLC, depending on the structure
• Available to foreign nationals with or without legal residency status
• Flexible income documentation, including bank statements or self-employment income
• Alternative credit accepted (e.g. utility bills, rent history, international credit)
• Down payments starting around 10%–20% depending on the loan and credit profile
• Competitive interest rates based on market conditions

• Single-family homes
• Condominiums and townhomes
• 2–4 unit properties
• Some manufactured homes (case-by-case basis)
• Investment properties

ITIN loan programs allow more flexibility in proving income:

• Bank statement programs: Use 12–24 months of personal or business bank statements
• 1099 income or self-employed documentation
• CPA-prepared profit & loss statements

• Minimum down payments often range from 10% to 30%
• Reserve funds may be required (typically 3–12 months of mortgage payments)
• The stronger the income, assets, and credit, the better the terms

To be eligible, you’ll typically need:

• A valid ITIN number
• Proof of income (traditional or alternative)
• 2 years of consistent income history (self-employed or employed)
• Proof of funds for down payment and closing costs
• Alternative credit or international credit report

• Build equity and stability even without a SSN
• Flexibility for entrepreneurs and freelancers
• Expand your investment portfolio
• Achieve the dream of homeownership regardless of immigration status

Our team understands the unique needs of ITIN borrowers. We’ll walk you through every step—from documentation to closing—and tailor a plan that fits your goals.